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1125518

	registered interest
	date	08/05/2019
	answering body	Department for International Trade
	answering dept id	202
	answering dept short name	International Trade
	answering dept sort name	International Trade
	hansard heading	Overseas Trade: Germany
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what steps they are taking to develop the UK’s post-Brexit trading relationship with Germany.
	tabling member printed	Lord Taylor of Warwick
	uin	HL15613
	answer	answer is ministerial correction date of answer 22/05/2019 answer text <p>Germany accounts for 10.2% of total UK trade and remains a crucial market for UK goods and services. Total trade in goods and services between the UK and Germany amounted to £132.7 billion in 2018.</p><p> </p><p>In August 2018, my Rt Hon. Friend the Secretary of State for International Trade launched the Export Strategy, through which the Government plans to increase UK total exports as a proportion of GDP to 35% and make Britain a 21st century exporting superpower. Germany will be a priority market for this strategy. We will also continue to promote the UK as a bilateral trading partner, reassuring German businesses that the UK remains open for business and remains an advocate for free trade and open markets.</p> answering member printed Viscount Younger of Leckie question first answered 22/05/2019 16:23:42 answering member 4169 label Biography information for Viscount Younger of Leckie
	tabling member	1796 label Biography information for Lord Taylor of Warwick

1126691

	registered interest
	date	14/05/2019
	answering body	Department for International Trade
	answering dept id	202
	answering dept short name	International Trade
	answering dept sort name	International Trade
	hansard heading	Overseas Trade
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government, further to the Written Answers by Viscount Younger of Leckie on 14 May (HL15424 and HL15425), which are the 27 members of the World Trade Organisation (WTO) with which the UK trades solely on WTO terms.
	tabling member printed	Lord Bowness
	uin	HL15708
	answer	answer is ministerial correction date of answer 22/05/2019 answer text <p>The World Trade Organisation (WTO) Members with which the UK trades purely on WTO Terms - not subject to any Free Trade Agreement or preferential trade regime – are: Argentina, Australia, Bahrain, Brazil, Brunei Darussalam, China, Chinese Taipei, Cuba, Gabon, Hong Kong, Kazakhstan, Kuwait, Macao, Malaysia, the Maldives, New Zealand, Oman, Paraguay, Qatar, Russia, Saudi Arabia, Singapore, Thailand, United Arab Emirates, the US, Uruguay and Venezuela.</p><p> </p> answering member printed Viscount Younger of Leckie question first answered 22/05/2019 16:50:38 answering member 4169 label Biography information for Viscount Younger of Leckie
	tabling member	3496 label Biography information for Lord Bowness

1126305

	registered interest
	date	13/05/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Insolvency
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what was the basis for their estimate in the consultation by HMRC Protecting your taxes in insolvency, published on 26 February, that the reintroduction of preferential status for any Crown creditor would yield £185 million per annum in additional tax revenue.
	tabling member printed	Baroness Hayter of Kentish Town
	uin	HL15665
	answer	answer is ministerial correction date of answer 22/05/2019 answer text <p>The estimate is the tax recovered from insolvencies that HM Revenue and Customs (HMRC) would not otherwise have collected before the policy was implemented. Adjustments were made for tax and payment timing.</p> answering member printed Lord Young of Cookham question first answered 22/05/2019 16:21:03 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	4159 label Biography information for Baroness Hayter of Kentish Town

1126306

	registered interest
	date	13/05/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Insolvency
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government whether the proposals in the consultation by HMRC Protecting your taxes in insolvency, published on 26 February, to reintroduce preferential status for any Crown creditor takes into account lost Government revenue resulting from other taxpayers suffering additional bad debts due to the priority payment of HMRC, and any consequential loss to the economy resulting other taxpayers themselves becoming insolvent due to an increased burden of bad debt; and what assessment, if any, they have made of the impact of that change on lending.
	tabling member printed	Baroness Hayter of Kentish Town
	uin	HL15666
	answer	answer is ministerial correction date of answer 22/05/2019 answer text <p>The ‘Protecting your taxes in insolvency’ proposals take into account lost government revenue resulting from other taxpayers suffering additional bad debts due to the priority payment of HMRC.</p><p> </p><p>Lending against fixed assets will not be impacted by this measure, but lending against floating assets will be impacted, as HMRC will move above secured creditors with floating charges in insolvencies.</p><p> </p><p>At Budget 2018, the independent OBR chose not to make any adjustments to their economic forecast in response to this measure.</p> answering member printed Lord Young of Cookham question first answered 22/05/2019 16:22:56 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	4159 label Biography information for Baroness Hayter of Kentish Town

1126332

	registered interest
	date	13/05/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Banking Hubs: Competition
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what plans they have, if any, to update competition law to allow for shared banking hubs in areas where local bank branches have been closed.
	tabling member printed	Lord Taylor of Warwick
	uin	HL15692
	answer	answer is ministerial correction date of answer 22/05/2019 answer text <p>Branch closures can be difficult for the communities affected and the Government pays close attention to this issue. However, the decision to close a branch is a commercial one for a firm, and Government does not intervene in those decisions.</p><p> </p><p>However, the Government is equally clear that as banking providers seek to respond to technological advances and changes in customer behaviour, they must also consider carefully the needs of those who still rely on their local bank branch. Since May 2017, the major high street banks have been signed up to the Access to Banking Standard, which commits them to work with customers and communities to minimise the impact of branch closures and put in place alternative banking services.</p><p> </p><p>The Government also supports the Post Office Banking Framework Agreement which enables 99% of the UK’s personal and 95% of the UK’s small business customers to withdraw money, deposit cash and cheques and check balances at any one of the Post Office’s network of 11,500 branches.</p><p> </p><p> </p><p>While banks do have to comply with competition law, there is no specific regulation that prevents banks from sharing branches or other premises where their strategies align. The Government therefore has no plans to update competition law on this basis. Government does not intervene in these commercial decisions, but will continue to encourage banks to think creatively about how they can ensure that consumers can access a wide range of banking services on a sustainable basis. For example, NatWest, Lloyds Bank and Barclays are trialling shared business banking hubs in 6 locations across the UK in the coming weeks.</p> answering member printed Lord Young of Cookham question first answered 22/05/2019 16:37:43 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	1796 label Biography information for Lord Taylor of Warwick

1126718

	registered interest
	date	14/05/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Loans
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government whether they have modelled the systemic risk impact of growth in instructional, non bank, lending.
	tabling member printed	Lord Myners
	uin	HL15735
	answer	answer is ministerial correction date of answer 22/05/2019 answer text <p>The Financial Policy Committee (FPC) of the Bank of England was set up to identify, monitor and take action to remove or reduce systemic risks with a view to protecting and enhancing the resilience of the UK financial system as part of the new financial regulatory framework legislated for under The Financial Services Act 2012. Part of the FPC’s remit includes the responsibility for assessing risks in the financial system, including from the non-bank financial system. The FPC set out its most recent assessment of financial stability risks from the non-bank financial sector in its 28th November 2018 Financial Stability Report.</p> answering member printed Lord Young of Cookham question first answered 22/05/2019 16:28:54 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	3869 label Biography information for Lord Myners

1127020

	registered interest
	date	15/05/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Credit
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what assessment they have made of any increase in complaints regarding short-term and payday lenders related to those suffering with problem debt.
	tabling member printed	Lord Taylor of Warwick
	uin	HL15781
	answer	answer is ministerial correction date of answer 22/05/2019 answer text <p>The Government has fundamentally reformed regulation of the consumer credit market, transferring regulatory responsibility to the Financial Conduct Authority (FCA) on 1 April 2014.</p><p> </p><p>The FCA requires payday lenders to carry out robust affordability checks, limits the number of times a payday loan can be rolled over to two, places tough restrictions on lenders’ use of continuous payment authorities, and requires all payday lending adverts to include a risk warning and information about where to get free debt advice.</p><p> </p><p>The Government has given the FCA strong powers to protect consumers and to take action against firms and individuals that do not meet its standards. In 2018, the FCA issued total fines of £60 million.</p><p><strong> </strong></p><p>On problem debt more broadly, the Government is implementing its manifesto commitment to introduce a breathing space and statutory debt repayment plan. The two polices aim to give people in problem debt the opportunity to take control of their finances and put them on a sustainable footing.</p> answering member printed Lord Young of Cookham question first answered 22/05/2019 16:23:21 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	1796 label Biography information for Lord Taylor of Warwick

1125846

	registered interest
	date	09/05/2019
	answering body	Department for Business, Energy and Industrial Strategy
	answering dept id	201
	answering dept short name	Business, Energy and Industrial Strategy
	answering dept sort name	Business, Energy and Industrial Strategy
	hansard heading	Furniture: Fire Resistant Materials
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what assessment they have made of the finding of the study Flame retardants in UK furniture increase smoke toxicity more than they reduce fire growth rate, published in the journal Chemosphere in December 2017; and what steps they are taking to ensure that UK furniture is safe.
	tabling member printed	The Countess of Mar
	uin	HL15636
	answer	answer is ministerial correction date of answer 22/05/2019 answer text <p>As part of the Government’s review of the Furniture and Furnishings (Fire)(Safety) Regulations 1988, we are taking account of a wide range of scientific evidence from external sources including academic papers and studies.</p><p> </p><p>We are committed to reviewing these regulations to ensure that the highest levels of fire safety are maintained while minimising risks to health and the environment.</p> answering member printed Lord Henley question first answered 22/05/2019 11:56:26 answering member 2616 label Biography information for Lord Henley
	tabling member	1861 label Biography information for The Countess of Mar

1125847

	registered interest
	date	09/05/2019
	answering body	Department for Business, Energy and Industrial Strategy
	answering dept id	201
	answering dept short name	Business, Energy and Industrial Strategy
	answering dept sort name	Business, Energy and Industrial Strategy
	hansard heading	Furniture: Fire Resistant Materials
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government how much the Office for Product Safety and Standards has spent on product compliance testing under the Furniture and Furnishings (Fire Safety) Regulations 1988 since its formation; and what were the results of such testing.
	tabling member printed	The Countess of Mar
	uin	HL15637
	answer	answer is ministerial correction date of answer 22/05/2019 answer text <p>The Office for Product Safety and Standards has made available £500,000 in 2018 and £600,000 in 2019 for Local Authority Trading Standards to carry out product compliance testing at accredited laboratories. This testing includes compliance testing under the Furniture and Furnishings (Fire) (Safety) Regulations 1988.</p><p> </p><p>Local Authority Trading Standards take appropriate enforcement action as required in light of the results from this testing.</p> answering member printed Lord Henley question first answered 22/05/2019 11:57:10 answering member 2616 label Biography information for Lord Henley
	tabling member	1861 label Biography information for The Countess of Mar

1125849

	registered interest
	date	09/05/2019
	answering body	Department for Business, Energy and Industrial Strategy
	answering dept id	201
	answering dept short name	Business, Energy and Industrial Strategy
	answering dept sort name	Business, Energy and Industrial Strategy
	hansard heading	Furniture and Furnishings (Fire) (Safety) Regulations 1988
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government when they will respond to their 2016 consultation on updating the Furniture and Furnishings (Fire Safety) Regulations 1988.
	tabling member printed	The Countess of Mar
	uin	HL15639
	answer	answer is ministerial correction date of answer 22/05/2019 answer text <p>This is a complex issue and it is absolutely vital that the Government gets this right: we are committed to reviewing these regulations to ensure that the highest levels of fire safety are maintained while minimising risks to health and the environment.</p><p> </p><p>The Department will publish its response to the 2016 consultation in due course.</p> answering member printed Lord Henley question first answered 22/05/2019 13:24:56 answering member 2616 label Biography information for Lord Henley
	tabling member	1861 label Biography information for The Countess of Mar